ttb's CEO Thakorn Piyapan says household debt is levelling off as banks restructure loans, and NPLs in some consumer loans are starting to fall. He expects retail lending to grow about 1-2% this year after several negative years, with car loans possibly improving late in the year (EV tax changes may pull buyers forward) and credit card spending picking up toward year-end. He says low household income, not debt itself, is the main problem. For a small business, this points to softer credit conditions easing gradually, and Q4 demand from consumers may improve somewhat. The article also mentions ttb's RBP (risk-based pricing) for good-credit customers, which is worth asking your bank about if you borrow personally.